With the default employer contribution rising to 3.5 % from 1 April 2026, the incentive to be in KiwiSaver has never been stronger. Missing out means leaving potentially thousands of dollars and years of compounded growth on the table.
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A new year often brings new KiwiSaver rules – and 2026 is no exception. From 1 April, one of the biggest KiwiSaver changes in years kicks in, and it could have a direct impact on how much you and your employer are contributing toward your future.
Financial decisions are rarely transactional. Whether it’s planning for retirement, investing money or arranging insurance, you need answers that are accurate, timely and importantly come from someone who understands your situation.
Simply accumulating assets without a clear strategy can lead to gaps in growth, unnecessary risk, and missed opportunities.
A re-elected National Government would further increase default KiwiSaver contribution rates, forming the party’s first election pledge of the campaign.
When we make financial decisions, we’re often balancing what we gain against what we give up. A helpful way to understand this is through a simple idea: marginal utility. And nothing explains it better than chocolate.
When it comes to saving for retirement, most people know two things: they want their money to grow, and they don’t want to pay too much in fees. Both are important, but here’s the key point: what really matters is your net investment performance — what you actually take home after fees.
Crypto can be appealing to a lot of people, but what are some of the things to consider before investing? It’s a high risk, speculative investment and prices can go up and down very quickly. You should be prepared to lose all your money invested.
Research from Fidelity Life has shown New Zealanders are spending their earning years anxious about finances and making money missteps. New Zealanders aren’t taking advantage of the wealth of knowledge the advice community can offer and instead rely on a ‘she’ll be right’ approach to protecting and growing wealth.
Generate Investment Management has been awarded the prestigious Consumer NZ People’s Choice Award for KiwiSaver, finishing well ahead of its competitors.
When planning for retirement, one of the most common questions people ask is, "How much money do I need?" The truth is, there is no universal answer. Retirement needs are deeply personal and vary based on lifestyle, health, location, and financial expectations.
Market volatility can be nerve-wracking. When prices swing wildly, it’s tempting to react impulsively - selling in panic when markets fall or chasing returns when they rise.
When it comes to industries, the investment industry is one of the more male-dominated around. Because of this, many people just assume that men are better investors. But what if this widely held belief isn't true?
There are heaps of ways to get the kids engaged in a positive way with how money works. Research shows that children who are encouraged to talk about money, are given money regularly and have responsibility for their spending and saving tend to do better with money when they grow up.
A credit report is a record of a consumer’s credit history, such as information about credit applications (known as enquiries), open and closed credit accounts, payment defaults, and court judgments about unpaid debts.
The use of AI in drug discovery has healthcare companies excited, as Milford Investment Analyst Dr Deborah Lambie discovered on her recent visit to the United States.
We know that many KiwiSaver members tend to view this as a long term ‘set and forget’ type of investment. However, circumstances change and what was suitable when joining KiwiSaver may no longer be the case.
A recent study has found that people who work with a professional financial planner feel better off both financially and more broadly. They report having a better quality of life, enjoying more financial confidence and resilience, and feeling more satisfied with their financial situation.
The Retirement Commissioner website at sorted.org.nz provides a great range of free practical information, guides and tools to help you get your money sorted.
The Milford KiwiSaver Plan Conservative, Balanced and Active Growth Funds have been the number one performer in their respective KiwiSaver Fund category over the last ten years according to the latest Morningstar KiwiSaver Survey.